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Key Features & Benefits
- ✦25 Reward Points per ₹100 on dining at standalone restaurants (up to 6.25% value back)
- ✦10 Reward Points per ₹100 on travel, grocery, departmental stores & international spends
- ✦2 Reward Points per ₹100 on all other eligible spends
- ✦Zero forex markup — 0% on international transactions
- ✦Unlimited complimentary domestic airport lounge access (via Elite Assist)
- ✦4 international lounge visits per quarter (16/year)
- ✦1.49% stated forex (effectively 0% as no markup — just network conversion rate)
- ✦Birthday bonus: 10X Reward Points on birthday
- ✦Golf access at select courses
- ✦2 complimentary movie tickets/month via BookMyShow
- ✦Comprehensive travel insurance
- ✦24×7 concierge
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Welcome & Joining Benefits
- ✦Vouchers worth ₹1,000 on first POS transaction
- ✦10,000 bonus RP on ₹1L spend in first 60 days
Milestone Benefits
- ✦₹5L spend in 90 days → Year 1 annual fee waived
- ✦₹10L in previous anniversary year → next year's annual fee waived
Pros & Cons
✓ Advantages
- ✓Zero forex — rare in this tier in India
- ✓25X on dining = up to 6.25% value back — India's best dining card
- ✓Unlimited domestic lounge + 16 international visits
- ✓Annual fee waiver achievable at ₹10L/year
- ✓Birthday bonus 10X — plan big purchases on birthday
✗ Disadvantages
- ✗₹7,999 fee — high for a Small Finance Bank card
- ✗SFB tag may concern some despite AU Bank's strong track record
- ✗Annual fee waiver needs ₹10L spend in subsequent years
Frequently Asked Questions
Is AU Bank safe for a premium credit card?
AU Small Finance Bank is listed on NSE/BSE (since 2017) and is RBI-regulated. As of 2025–26, it is one of India's largest SFBs by assets. DICGC insurance covers deposits up to ₹5L. The bank has a strong track record.
What is the effective reward rate on Zenith+?
At 25X on dining: 25 RP × ₹0.25 = ₹6.25 per ₹100 = 6.25% value back. For travel (10X): ₹2.50/₹100 = 2.5%. Others (2X): ₹0.50/₹100 = 0.5%.
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